Our Mission is to help companies strategize, implement, and

service the entire voluntary benefit process.

There has never been a better time for you and your employees to have Voluntary Benefits

The Health Insurance landscape is more complex then ever before and changes in Health Care cost continue to rise.

� Change in health care offerings

� Gaps in Coverage

� Increased out-of-pocket expenses

Enhance your benefits offering!

Our programs are designed to help your employees

�Hold on to what they work so hard for every day

�Protect their income from unexpected illness and injury

�Avoid Credit Card debt and Loans against 401K / Retirement

Nearly 6 in 10 workers don’t have a financial plan in place to handle the unexpected.

The Reality is…

� 68% of employees underestimate the total cost of injuries or illnesses, including medical household and out-of-pocket costs.

� 52% have less than $1,000 to pay out-of-pocket expenses associated with unexpected serious illnesses or accident, and 28% have less than $500 available.

How will your employees pay?

Are they going to get a bank loan or put it on a credit card?

Are they going to dip into their Savings or Retirement?

Or are they going to come knocking on our door?

Are they going to borrow from friends & family?

Voluntary policies compliment your benefits package

In Today’s World No Benefit Package Is Complete Without These 3

Major Medical

WorkmanCompensation

Major Medical

VoluntaryBenefits

Why Voluntary?� Voluntary benefits help fill gaps that exist now in many health

insurance plans.

� More and more company benefits are being offered on a voluntary basis at a significantly reduced rate; these benefits are NOT company paid.

� Premiums are deducted from payroll and the Employer simply remits collected premium to carriers.

� No direct cost to the company for offering these types of benefits.

� Even though fully funded by employees, the perception is a better benefits package is being offered than competitors.

What are common solutions business owners are using to attract and retain quality employees at little to no cost?

Most Popular Solutions� Accident Insurance

� Hospital Insurance

� Critical Illness Insurance

� Life Insurance

◦ 38% of employees have no life insurance in place.

◦ 40% of employees who have life insurance do not believe they have enough.

Other Voluntary Benefit Solutions

� Telemedicine

� Identity Theft Protection

� Legal Protection

� Dental/Vision

� Maternity

� Pet Insurance

� Short-Term Disability (when not already offered as a company paid benefit)

� Long Term Care

Value for your employees!

�Affordable plans available to fit most budgets

�Guaranteed –Renewable

� Portable – they own it

�Rate Stability

�Benefits paid regardless of other insurance

� Easy Claim process paid directly to insured

Why use MWE?

1. Our services are offered at no direct cost to business owners.

2. Experienced staff that focuses only on this niche Voluntary Benefits.

3. Turn-key implementation – all services including enrollment, general inquiries, claims, etc. are handled directly by MWE.

4. Charity program available.

5. Access to all product lines through the top carriers.

6. No long term contract – Service is our guarantee. If you are not satisfied you can cancel at anytime.

You deserve to work with the best!

�We set up the payroll deductions

�We help educate your employees

�We conduct the enrollments

�We help employees with claims

Getting Started Today is Easy

100%Employee Funded

3+ Participants

Enrollment best for individual personalization

A mutual agreement to ensure success!

Your AgreementAuthorize Payroll Deduction

Provide a Simple Census

Assist in Enrollment Conditions

Help Select Policies to be Offered

Schedule Enrollment

Our CommitmentEnrollment Conditions

Enrollment Set Up

Employee Education

Conduct Enrollment

Assist with Employee Claims

What is Telemedicine????Convenient Access to Quality Healthcare…on your schedule!

You could have: Immediate Access to Doctors and Pediatricians 24/7/365 by video, phone or email.

� Talk directly with a doctor or pediatrician in minutes

� No deductibles or copays

� Board Certified, US based doctors

� Prescriptions called in to your local pharmacy (at doctor’s discretion)

� Unlimited use with no per-call fees

� For your entire family

� Doctors Average of 15 years experience

� 100% HIPPA Compliant

� Design for non-emergency care; 71% of all medical visits today are non-emergency.

Common Conditions we treat:Acne AllergiesAsthmaBronchitisCellulitusCold & FluSunburnSore Throat

FeverGoutHeadacheInfectionsInsect BitesRashesDiarrheaEar Infection

Sinus InfectionSports InjuriesConstipationSkin InflammationsUrinary Tract InfectionJoint Aches & Pains

And More…

� Cover your entire family� Unlimited Consultations� $0 co-pay� Complements high-deductible health plans� Average call-back under 10 minutes

Only $10.00 a month per employee/per family

Contact matthew.evans@mwesolutions.net or (410)737-1620 to get started.